User Permission Codes (permission_code) designate the reason a user was closed (CLOSED) or locked (LOCKED). These codes were developed to lessen the reliance on custom notes (extra.note) for providing context when reviewing closed and locked user accounts.

Locked Reasons

Permission Code (Reason Code)	Description
`BLOCKED_INDUSTRY`	Prohibited Industry -- Credits are derived from a prohibited industry.
`DOCS_NOT_PROVIDED`	Docs Not Provided -- Requested documents not provided within the allotted 14-day window.
`DORMANT_ACCOUNT`	Dormant Account -- Dormant account status with balance. Manually reviewed by Compliance.
`KYC_FRAUD\|BLOCKED_LIST`	Blocked List KYC -- Documents used to create account are in Synapse's blocked list.
`KYC_FRAUD\|FRAUDULENT_DOCS`	Fraudulent Documents Detected -- Fraudulent documents used to create account.
`HIGH_RETURNS`	Return Reasons -- Velocity of returns indicates fraud (automated lock).
`NEGATIVE_BALANCE`	Negative Balance Reconciliation -- The account is overdrawn.
`NOT_KNOWN`	Not Known -- Documents are incomplete or incorrect. * Legacy catch-all, will be removed over time.
`UNUSUAL_ACTIVITY\|COMPLIANCE_SUSPICIOUS`	Compliance Reasons -- Indications of unusual/suspicious activity found.
`UNUSUAL_ACTIVITY\|LEGAL_REQUEST`	Legal Request -- Synapse received legal notice to restrict account.

Closed Reasons

Permission Code (Reason Code)	Description
`DUPLICATE_ACCOUNT`	Duplicate Account -- User has multiple accounts in the same platform environment.
`NO_ACTIVITY`	No Activity -- No activity 60 days after account opening.
`NOT_KNOWN`	Not Known -- Documents are incomplete or incorrect. * Legacy catch-all, will be removed over time.
`PLATFORM_REQUEST`	Platform Request -- Platform requested account closure.
`PLATFORM_TERMINATED`	Platform Termination -- Platform's contract was terminated.
`USER_REQUEST`	User Request -- User requested account closure.
`PERMANENT_CLOSURE`	Permanent Closure -- Will trigger the loan accounts to be consolidated. Any other permission code will not consolidate the LOAN or REPAY_US balance.